the Presence of credit card indeed, the impact is different for each person. Credit cards can have a positive impact for someone because of its benefit quite a lot.
But in addition to that, credit cards can also have a negative impact because of the pay xl priority provides that interest is rated difficult for some users. Most of the bank interest on credit cards is arguably high. Users still have to accept because of credit card including types of loans do not require collateral.
a Lot of people who still require the benefits of shopping in india credit card despite having a high interest. There are actually some tips that if done can help You to get rid of credit card interest. Want to know how let me use a credit card not charged interest?
take a Peek the following ways, as quoted from Cermati.com.
1. Try Not to Pay Bills Personal with the Lowest Number of Banks provide relief to each member of the card holder to make payment of monthly bills using a payment method with nominal smallest or minimum payment.
these Methods allow You to do payment grab disposable ovo the bills in a small amount. Usually 10 percent of the overall total of Your monthly bill or at least Rp50.000.
So, for example in December You have the total bill amounted to Rp1.000.000 and the current it financial is difficult then You are allowed to pay only 10 percent when the monthly bill comes. It does look relieve, however You will be charged interest worth of 2.95 percent on the bill next month. Interest of 2.95 percent taken from the total bill amounting to Rp 1,000,000.
2. Pay Bills for Paid off Almost the same if You pay the bills with the minimum payment, You will also be charged interest if not paid the bill in full.
the Great interest which is charged if You do not make the payment in full together with if You make a payment with the minimum payment that is 2,95% of the total bill that month.
So, pay shopee in indomaret for example in January You have a bill of Rp1.000.000, when it's time to pay the bill You are only able to pay by 950.000. So You still have a deficiency payment amounting to Rp50.000. The month of February or next month, You will get additional bills amounting to Rp50.000 + (2.95 percent x 1,000,000) = Rp79.500. Therefore, in order to free the interest You must pay off the credit card bills regularly every month.
3. Avoid Buy with System Cicilanan Regular one facilities of the credit card is installment regular monthly. For example, the card BNI has a feature installment called BNI Installment. Such a feature allows the user to change the transaction prices are usually $ 500.000 into a system of installments with a tenor of 3 months, or 6 months, up to 1 year. Type of mortgage as it will make You get a new interest.
for Example BNI Installment with a minimum transaction of Rp 500.000 to be converted into installment 6 month and interest of 2.8 per cent per month. The amount of such interest of course You have to pay per month, so multiply how big the interest to be paid in 6 months.
To avoid interest payment of regular instalments, utilizing the course schedule in credit card. Typically banks that provide credit card in collaboration with the merchant so that You can get tickets zero percent installment if you buy goods at the merchant.
4. Avoid Cash withdrawal There are two types of transactions pay space master using credit card transactions or retail spending and cash withdrawal transactions. Retail transaction that is associated with shopping such as mortgage, travel, dining, and so forth. While the transaction pull cash i.e. if You withdraw the money in cash using the card through an ATM.
You will get interest for the cash withdrawal transactions that are of the same magnitude with the interest of retail that is 2.95 percent. There are also some banks which give interest on cash withdrawals is higher than the interest of retail. However almost all banks equate to large retail flower and floral appeal of cash. Well, that becomes a problem, if doing a cash transaction, You will also be charged the cost of attraction of money of cash amounted to 4 percent of the total withdrawal.
So, for example You make a withdrawal of Rp1.000.000 then the bills that will be charged is Rp1.040.000, in which the Rp40.000 is a withdrawal fee of 4 percent of total withdrawal.
the Bill next month pay card hello will increase 2.95 percent this is the case when where You have not been able to do the repayment of the monthly bill.
5. Timely in Paying Bills Late to pay bills is actually not charged interest again, rather imposed a fine delay.
pay credit card bca such is not much different because You still have to pay the credit card bill more than the usage. Large overdue fines vary depending on the bank provider, however there is a bank which provides for a fine of up to 3 percent.
the Fine is automatically given if You make a payment on the due date given. So be careful because You will be charged a fine despite paying in full.
Avoid Credit Card Interest so Convenient to Use it By following the above tips, You can now pay bpjs evasive than bank interest credit card which feels quite burdensome. In the absence of flowers, You will definitely feel more comfortable when making use of a credit card. Already easy to trade, fortunately also use it because don't get interest credit card.
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